Bonus: what investment options are there according to the different risk profiles

December and the middle charge bonus involves for many deciding an investment, in a current context where, on the one hand, there are a stable dollar (the gaps between the parallels and the official one are getting closer and closer to 5%), continues the disinflation process (3% is expected for November) and there is a great performance of the stock assets (stocks rose up to 60% last month and country risk fell 25%). The choice depends, logically, on the risk profile of the investor.

More conservative portfolios: what to invest in in December

Juan Bialet, Personal Finance Manager SBS Group, he told Scope what for conservative profiles the Negotiable Obligations “they continue to be the safest and most stable alternative for those looking for fixed income in dollars.” They can be obtained returns of between 6% and 7% per year in dollars, in that case, for two-year ONs that have a good credit situation.

For its part, Mateo Reschini, Head of Research Inviucontributed: “I would recommend some LATAM fundlet it be dollarized and it could be some BOPREAL like ’26, but for a percentage of the portfolio that is not more than 15%. It could also be a some T+1 fund like that of plus income“.

In turn, from Balanz They considered that if the main objective is to protect the value of the bonus and generate constant income, Negotiable Obligations are an excellent option. “Companies like Pan American Energy (PAE) offer a fixed rate of 6.25% in dollars, with semiannual payments and bullet amortization at maturity, which guarantees stability and predictability,” they described.

On the other hand, they also mentioned the Telecom ONwhich with a yield of 9.50% in dollars, adapts to moderate profiles looking for a higher return.

Meanwhile, Maximiliano DonzelliHead of Investment Strategies IOL Investmentssaid: “For people who want to invest thinking in the short term, we believe that it would be ideal to add Lecap to the portfolio. S30Y5. The bill issued by the Treasury maturing in May 2025 presents us with an excellent opportunity to bet on the short-term ‘carry trade’.” And he added: “It yields an effective monthly rate of 2.9%, which could be in line with coming inflation or even slightly above. In turn, it will allow us to reduce the risk and duration of the portfolio. In a scenario where inflation is slowing, this letter will allow us to obtain an interesting return above inflation“.

Portfolios for risk takers: what to invest in in December

For people who have a slightly more aggressive profile, from IOL invest online They recommend betting on actions and cedarsand in this case they recommended the S&P500 ETF (SPY), YPF (YPFD), and Transener (TRAN).

For its part, since SBS Group contributed: “For those looking for more performance long sovereign bonds (GD35) yield 11% annually and still have some potential upside due to parity as the country risk continues to decline. But unlike bonds, stocks have no ceiling“.

In this regard they also chose YPF and they added Pampas and View. “The potential in Vaca Muerta is enormous and oil exports are projected to double in the next 2 years. Although a drop in the international price of crude oil could complicate the sector, Vaca Muerta has one of the lowest shale oil extraction costs in the world. It is estimated that even with a WTI at US$40, companies would continue to be profitable. Today crude oil is worth US$69, so there is a considerable ceiling. At the same time, there is the possibility that our rating will be raised to “emerging country” and international funds will have to buy our shares to replicate the MSCI index,” Bialet explained.

For its part, since Balanzagreed: “If the investor is willing to assume a higher level of risk to maximize his profits, with a long-term horizon, the cedars are a door to the global market.” In this regard, they mentioned options such as teslaleader in electric mobility, or Qualcomma pioneer in 5G technology, since “they allow investing in companies with great growth projections. These alternatives are ideal for those seeking to diversify their portfolio and gain exposure to key sectors of the global economy.“.

Finally, for those who want to diversify, they recommended the Balanz Quant Selection Pack which includes various cedars. Another key alternative to investing the bonus is Common Investment Funds. “The most daring investors can consider the Balanz Shares Funddesigned to capture the growth of the main Argentine companies”, highlighted from this broker.